Targeter analysis

Introduction

This report contains a snapshot of the specific subpopulation «r label(object$target,metadata) » == `r object$target_reference_level``.

This subpopulation is characterized by performing bivariate analyses, crossing the variable of interest (target) with potential explanatory variables. Only most relevant (highest discriminative power) may be retained.

Report contains:

A summary overview table with selected retained criteria with some available information such as one statistic called information value (IV) that provides an idea of the explanatory power of the criteria.
Detailed analyses per criteria with graphics that highlight the reation between one of the candidate criteria and the target.

It can happen that one criteria contains some missing values. If such, we will introduce value “[Missing]” in the report, eventually with a cross [x]. Also, if two few data are available, we would use a minus [-] instead of reporting value.

Summary table interpretation

Criteria are sorted by decreasing importance order, which one is determined by the IV. One modality (value) index is also computed as the proportion of target «r label(object$target,metadata)» within the modality, that is the target penetration in the subpopulation selected by the specific modality of a criteria. A value near 1 would indicate a non-discriminative modality: selecting the corresponding subpopulation would result in the overall average target penetration. On the other way, the hightest the index (>1), the more target is over-representated in the subpopulation. Low index (<1) would be interpreted as under-representation. So high index modalities are of interest as they characterize subpopulation with high target penetration.

Note that index will always be computed for segments (modalities): continuous variables are cut into buckets. If a criteria/variable has no segment with any high index, it will not be of interest at all. Also, having one segment with an index greater than 1 implies that there are counterparts segments with index lower 1.

There is no special rule to say that an index is a good one as its interpretation has to take into account the natural (average) target pourcentage (penetration). Indeed, when the penetration is low, it is easier to observe eventually high index. Think that for a global penetration of 50% of target, maximal index is 2 (and more generally, index is bounded by 1/(target penetration))

For this report, we selected a maximum of r ntop potential criteria.

For every criteria, summary table presents its possible value (modality) having the highest index along with the corresponding number of records. Pay attention that you might observe high index dealing with very restrictive sub-populations.

Population description

Target description

Target analysis :

Summary view

	name	n_bins	qs	Max bin	MaxBin Mean	MaxBin N	Selected	MaxBin mean
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Variables

carTypeB_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	77931	0.779146	225.289465	2.526635
1	[9.00, 29.50)	5392	0.053909	380.562278	157.799449
2	[29.50, 51.50)	11386	0.113836	173.469636	-49.293193
3	[51.50, inf)	5312	0.053109	131.176692	-91.586137
4	Special	0	0.000000	0.000000	-222.762829
5	Missing	0	0.000000	0.000000	-222.762829

group1_bm

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -690.00)	8646	0.086442	146.601821	-76.161009
1	[-690.00, -515.00)	10633	0.106308	100.767946	-121.994883
2	[-515.00, -430.00)	7713	0.077114	151.565227	-71.197603
3	[-430.00, -175.00)	23362	0.233571	164.355499	-58.407330
4	[-175.00, 165.00)	27948	0.279421	283.668493	60.905663
5	[165.00, 465.00)	8199	0.081973	297.171310	74.408481
6	[465.00, inf)	13520	0.135172	337.929413	115.166584
7	Special	0	0.000000	0.000000	-222.762829
8	Missing	0	0.000000	0.000000	-222.762829

jobSelf_employed_nYears

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 0.50)	82480	0.824627	210.766602	-11.996228
1	[0.50, 4.50)	7859	0.078573	322.793938	100.031108
2	[4.50, inf)	9682	0.096800	243.761010	20.998180
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

carCatSmall_density

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 7.19)	71774	0.717589	198.457574	-24.305256
1	[7.19, 148.53)	19412	0.194079	246.042699	23.279870
2	[148.53, inf)	8835	0.088331	369.064649	146.301820
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

carCatMedium_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	63377	0.633637	227.415692	4.652862
1	[9.00, 27.50)	7273	0.072715	426.035364	203.272535
2	[27.50, 40.50)	13347	0.133442	192.225495	-30.537334
3	[40.50, 54.50)	10896	0.108937	138.701662	-84.061167
4	[54.50, inf)	5128	0.051269	135.053525	-87.709304
5	Special	0	0.000000	0.000000	-222.762829
6	Missing	0	0.000000	0.000000	-222.762829

jobHousewife_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	80011	0.799942	220.610354	-2.152475
1	[9.00, 40.50)	10150	0.101479	298.471770	75.708940
2	[40.50, inf)	9860	0.098579	162.293857	-60.468972
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

carCatSmall_carVal

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 2812.50)	72867	0.728517	198.739435	-24.023395
1	[2812.50, 15477.50)	13979	0.139761	274.292452	51.529623
2	[15477.50, 21147.50)	5143	0.051419	379.972742	157.209912
3	[21147.50, inf)	8032	0.080303	250.358638	27.595808
4	Special	0	0.000000	0.000000	-222.762829
5	Missing	0	0.000000	0.000000	-222.762829

uwYear_bm

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -100475.00)	12377	0.123744	149.019757	-73.743072
1	[-100475.00, -90425.00)	12252	0.122494	124.808335	-97.954494
2	[-90425.00, -80380.00)	6178	0.061767	108.360851	-114.401979
3	[-80380.00, -70330.00)	6281	0.062797	124.266132	-98.496697
4	[-70330.00, -50235.00)	13424	0.134212	154.523032	-68.239797
5	[-50235.00, -30140.00)	6607	0.066056	252.827027	30.064198
6	[-30140.00, -10045.00)	6747	0.067456	275.538582	52.775753
7	[-10045.00, 120570.00)	24579	0.245738	325.499075	102.736245
8	[120570.00, inf)	11576	0.115736	332.859093	110.096264
9	Special	0	0.000000	0.000000	-222.762829
10	Missing	0	0.000000	0.000000	-222.762829

age_nYears

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	13739	0.137361	253.514309	30.751480
1	[9.00, 39.50)	6336	0.063347	347.810152	125.047322
2	[39.50, 122.50)	21720	0.217154	239.242189	16.479360
3	[122.50, 163.00)	8071	0.080693	238.230781	15.467952
4	[163.00, 342.50)	24870	0.248648	228.259788	5.496959
5	[342.50, 429.50)	7727	0.077254	161.873124	-60.889706
6	[429.50, 618.00)	10675	0.106728	157.910811	-64.852018
7	[618.00, inf)	6883	0.068816	125.205476	-97.557354
8	Special	0	0.000000	0.000000	-222.762829
9	Missing	0	0.000000	0.000000	-222.762829

uwYear_carCatMedium

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 1004.50)	63377	0.633637	227.415692	4.652862
1	[1004.50, 2009.50)	18384	0.183801	198.447104	-24.315725
2	[2009.50, inf)	18260	0.182562	231.094475	8.331645
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

jobUnemployed_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	84699	0.846812	208.260718	-14.502111
1	[9.00, 28.50)	5168	0.051669	527.111965	304.349136
2	[28.50, inf)	10154	0.101519	188.829207	-33.933622
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

cover

	Bin	Count	Count (%)	Mean	WoE
0	[1]	51225	0.512142	185.828115	-36.934714
1	[0]	48796	0.487858	261.536104	38.773275
2	Special	0	0.000000	0.000000	-222.762829
3	Missing	0	0.000000	0.000000	-222.762829

carCatSmall_group1

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 1.50)	72454	0.724388	198.141746	-24.621083
1	[1.50, 7.50)	7154	0.071525	235.771717	13.008888
2	[7.50, 11.50)	8289	0.082873	328.575870	105.813040
3	[11.50, inf)	12124	0.121215	289.881445	67.118616
4	Special	0	0.000000	0.000000	-222.762829
5	Missing	0	0.000000	0.000000	-222.762829

jobSelf_employed_bm

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -45.00)	5253	0.052519	163.321003	-59.441827
1	[-45.00, -25.00)	5380	0.053789	167.597995	-55.164834
2	[-25.00, 5.00)	83637	0.836194	218.089722	-4.673108
3	[5.00, inf)	5751	0.057498	396.624667	173.861838
4	Special	0	0.000000	0.000000	-222.762829
5	Missing	0	0.000000	0.000000	-222.762829

jobSelf_employed_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	79649	0.796323	207.151125	-15.611705
1	[9.00, 32.50)	5166	0.051649	475.188554	252.425725
2	[32.50, 41.50)	5568	0.055668	246.411346	23.648517
3	[41.50, inf)	9638	0.096360	202.815791	-19.947038
4	Special	0	0.000000	0.000000	-222.762829
5	Missing	0	0.000000	0.000000	-222.762829

bm_carVal

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -1246700.00)	6337	0.063357	141.479066	-81.283763
1	[-1246700.00, -996950.00)	5023	0.050219	70.319447	-152.443382
2	[-996950.00, -727625.00)	8989	0.089871	126.955083	-95.807746
3	[-727625.00, -487300.00)	10455	0.104528	145.778400	-76.984429
4	[-487300.00, -382550.00)	7324	0.073225	180.714983	-42.047846
5	[-382550.00, -235150.00)	11201	0.111986	182.462597	-40.300233
6	[-235150.00, 190425.00)	27759	0.277532	280.799754	58.036924
7	[190425.00, 1596925.00)	17556	0.175523	285.418264	62.655435
8	[1596925.00, inf)	5377	0.053759	407.855240	185.092410
9	Special	0	0.000000	0.000000	-222.762829
10	Missing	0	0.000000	0.000000	-222.762829

group1_cover

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 0.50)	48796	0.487858	261.536104	38.773275
1	[0.50, 6.50)	10263	0.102608	160.249293	-62.513536
2	[6.50, 11.50)	17697	0.176933	183.536933	-39.225896
3	[11.50, inf)	23265	0.232601	198.854657	-23.908172
4	Special	0	0.000000	0.000000	-222.762829
5	Missing	0	0.000000	0.000000	-222.762829

uwYear_cover

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 1004.50)	48796	0.487858	261.536104	38.773275
1	[1004.50, 2009.50)	25573	0.255676	169.911178	-52.851651
2	[2009.50, inf)	25652	0.256466	201.696033	-21.066796
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

carCatSmall_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	71774	0.717589	198.457574	-24.305256
1	[9.00, 24.50)	5976	0.059747	566.738023	343.975194
2	[24.50, 34.50)	8879	0.088771	270.786656	48.023827
3	[34.50, 45.50)	7951	0.079493	200.241123	-22.521706
4	[45.50, inf)	5441	0.054399	120.126582	-102.636248
5	Special	0	0.000000	0.000000	-222.762829
6	Missing	0	0.000000	0.000000	-222.762829

genderMale_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	36578	0.365703	207.489704	-15.273125
1	[9.00, 22.50)	5345	0.053439	632.353024	409.590194
2	[22.50, 27.50)	6362	0.063607	347.639384	124.876555
3	[27.50, 34.50)	10319	0.103168	248.465452	25.702623
4	[34.50, 40.50)	9685	0.096830	221.923977	-0.838852
5	[40.50, 47.50)	10539	0.105368	166.614000	-56.148829
6	[47.50, 63.50)	15066	0.150628	129.585859	-93.176970
7	[63.50, inf)	6127	0.061257	110.700125	-112.062704
8	Special	0	0.000000	0.000000	-222.762829
9	Missing	0	0.000000	0.000000	-222.762829

bm_density

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -7426.39)	11772	0.117695	188.205491	-34.557338
1	[-7426.39, -3883.50)	14787	0.147839	152.901949	-69.860880
2	[-3883.50, -3017.04)	6075	0.060737	111.580713	-111.182116
3	[-3017.04, -1544.02)	14934	0.149309	168.647571	-54.115258
4	[-1544.02, -1197.94)	5585	0.055838	183.243351	-39.519478
5	[-1197.94, 284.40)	19234	0.192300	275.791860	53.029030
6	[284.40, 5881.50)	17086	0.170824	278.111404	55.348574
7	[5881.50, 11375.33)	5238	0.052369	278.562962	55.800133
8	[11375.33, inf)	5310	0.053089	389.659160	166.896330
9	Special	0	0.000000	0.000000	-222.762829
10	Missing	0	0.000000	0.000000	-222.762829

age_group1

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 151.00)	11689	0.116865	262.263101	39.500272
1	[151.00, 221.00)	9689	0.096870	366.494769	143.731939
2	[221.00, 252.50)	5220	0.052189	280.610423	57.847593
3	[252.50, 349.00)	15080	0.150768	245.828416	23.065587
4	[349.00, 409.00)	9722	0.097200	245.713805	22.950976
5	[409.00, 491.00)	10970	0.109677	210.642897	-12.119933
6	[491.00, 586.50)	10868	0.108657	176.414553	-46.348276
7	[586.50, 801.50)	16017	0.160136	162.325686	-60.437143
8	[801.50, 937.00)	5223	0.052219	123.570510	-99.192319
9	[937.00, inf)	5543	0.055418	113.708458	-109.054372
10	Special	0	0.000000	0.000000	-222.762829
11	Missing	0	0.000000	0.000000	-222.762829

job

	Bin	Count	Count (%)	Mean	WoE
0	[Retired]	13167	0.131642	62.636098	-160.126732
1	[Employed]	31150	0.311435	205.568479	-17.194350
2	[Housewife]	20010	0.200058	231.369610	8.606780
3	[Self-employed]	20372	0.203677	283.800365	61.037536
4	[Unemployed]	15322	0.153188	302.929540	80.166710
5	Special	0	0.000000	0.000000	-222.762829
6	Missing	0	0.000000	0.000000	-222.762829

jobSelf_employed_density

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 23.07)	80172	0.801552	206.899384	-15.863446
1	[23.07, 148.53)	13491	0.134882	253.660308	30.897479
2	[148.53, inf)	6358	0.063567	357.233777	134.470948
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

gender

	Bin	Count	Count (%)	Mean	WoE
0	[Female]	36578	0.365703	207.489704	-15.273125
1	[Male]	63443	0.634297	231.568535	8.805706
2	Special	0	0.000000	0.000000	-222.762829
3	Missing	0	0.000000	0.000000	-222.762829

carCatSmall_bm

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -35.00)	8809	0.088072	157.162729	-65.600100
1	[-35.00, 15.00)	83718	0.837004	217.102949	-5.659880
2	[15.00, inf)	7494	0.074924	363.102449	140.339620
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

jobHousewife_density

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 22.89)	80534	0.805171	220.585186	-2.177644
1	[22.89, 58.86)	5237	0.052359	147.642760	-75.120069
2	[58.86, 151.84)	8098	0.080963	220.675886	-2.086943
3	[151.84, inf)	6152	0.061507	317.964100	95.201270
4	Special	0	0.000000	0.000000	-222.762829
5	Missing	0	0.000000	0.000000	-222.762829

genderMale_cover

	Bin	Count	Count (%)	Mean	WoE
0	[1]	32827	0.328201	200.299477	-22.463352
1	[0]	67194	0.671799	233.737090	10.974261
2	Special	0	0.000000	0.000000	-222.762829
3	Missing	0	0.000000	0.000000	-222.762829

age_bm

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -2755.00)	6837	0.068356	122.758076	-100.004753
1	[-2755.00, -2420.00)	5165	0.051639	61.997296	-160.765533
2	[-2420.00, -1835.00)	15205	0.152018	125.460276	-97.302553
3	[-1835.00, -1210.00)	17579	0.175753	141.755331	-81.007498
4	[-1210.00, -505.00)	11952	0.119495	197.200080	-25.562749
5	[-505.00, -205.00)	6212	0.062107	302.372005	79.609176
6	[-205.00, inf)	37071	0.370632	336.830332	114.067502
7	Special	0	0.000000	0.000000	-222.762829
8	Missing	0	0.000000	0.000000	-222.762829

genderMale_bm

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -45.00)	16031	0.160276	130.520416	-92.242413
1	[-45.00, -35.00)	8057	0.080553	115.464656	-107.298173
2	[-35.00, -25.00)	8733	0.087312	171.191170	-51.571660
3	[-25.00, 45.00)	57996	0.579838	254.353527	31.590697
4	[45.00, inf)	9204	0.092021	327.226186	104.463357
5	Special	0	0.000000	0.000000	-222.762829
6	Missing	0	0.000000	0.000000	-222.762829

carCatSmall_jobUnemployed

	Bin	Count	Count (%)	Mean	WoE
0	[0]	94999	0.949791	212.814935	-9.947894
1	[1]	5022	0.050209	410.942842	188.180012
2	Special	0	0.000000	0.000000	-222.762829
3	Missing	0	0.000000	0.000000	-222.762829

age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 20.50)	5234	0.052329	690.958482	468.195653
1	[20.50, 25.50)	10158	0.101559	382.568301	159.805472
2	[25.50, 28.50)	6822	0.068206	288.296670	65.533840
3	[28.50, 36.50)	19621	0.196169	219.182433	-3.580396
4	[36.50, 38.50)	5122	0.051209	174.694828	-48.068001
5	[38.50, 42.50)	10280	0.102778	165.466348	-57.296481
6	[42.50, 51.50)	18895	0.188910	153.706936	-69.055893
7	[51.50, 64.50)	16043	0.160396	137.071609	-85.691221
8	[64.50, inf)	7846	0.078444	103.479953	-119.282876
9	Special	0	0.000000	0.000000	-222.762829
10	Missing	0	0.000000	0.000000	-222.762829

genderMale_carCatSmall

	Bin	Count	Count (%)	Mean	WoE
0	[0]	82407	0.823897	204.237545	-18.525285
1	[1]	17614	0.176103	309.433269	86.670440
2	Special	0	0.000000	0.000000	-222.762829
3	Missing	0	0.000000	0.000000	-222.762829

jobUnemployed_group1

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 4.50)	86536	0.865178	208.859876	-13.902953
1	[4.50, 10.50)	5649	0.056478	328.244806	105.481977
2	[10.50, inf)	7836	0.078344	300.256224	77.493395
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

uwYear

	Bin	Count	Count (%)	Mean	WoE
0	[2009]	50021	0.500105	208.471547	-14.291282
1	[2010]	50000	0.499895	237.060114	14.297285
2	Special	0	0.000000	0.000000	-222.762829
3	Missing	0	0.000000	0.000000	-222.762829

uwYear_carCatSmall

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 1004.50)	71774	0.717589	198.457574	-24.305256
1	[1004.50, 2009.50)	14036	0.140331	271.608306	48.845477
2	[2009.50, inf)	14211	0.142080	297.274848	74.512019
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

uwYear_density

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 60423.64)	9971	0.099689	218.291416	-4.471414
1	[60423.64, 103143.71)	15523	0.155197	184.119598	-38.643232
2	[103143.71, 120564.29)	5505	0.055038	161.129442	-61.633387
3	[120564.29, 132895.24)	5287	0.052859	182.160099	-40.602730
4	[132895.24, 267843.53)	26617	0.266114	195.878273	-26.884557
5	[267843.53, 298254.22)	5067	0.050659	220.080212	-2.682617
6	[298254.22, 425674.30)	15077	0.150738	256.529541	33.766712
7	[425674.30, 479964.33)	6533	0.065316	259.880793	37.117964
8	[479964.33, inf)	10441	0.104388	335.394615	112.631786
9	Special	0	0.000000	0.000000	-222.762829
10	Missing	0	0.000000	0.000000	-222.762829

carCat

	Bin	Count	Count (%)	Mean	WoE
0	[Large]	35130	0.351226	181.498925	-41.263904
1	[Medium]	36644	0.366363	214.715552	-8.047278
2	[Small]	28247	0.282411	284.521084	61.758254
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

uwYear_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 41194.50)	5234	0.052329	690.958482	468.195653
1	[41194.50, 51242.00)	10158	0.101559	382.568301	159.805472
2	[51242.00, 57270.50)	6822	0.068206	288.296670	65.533840
3	[57270.50, 73346.50)	19621	0.196169	219.182433	-3.580396
4	[73346.50, 85403.50)	15402	0.153988	168.535318	-54.227511
5	[85403.50, 105498.50)	20628	0.206237	155.559421	-67.203408
6	[105498.50, 129612.50)	14310	0.143070	132.386628	-90.376202
7	[129612.50, inf)	7846	0.078444	103.479953	-119.282876
8	Special	0	0.000000	0.000000	-222.762829
9	Missing	0	0.000000	0.000000	-222.762829

carTypeD_age

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9.00)	80424	0.804071	215.748200	-7.014629
1	[9.00, 40.50)	10178	0.101759	343.873186	121.110357
2	[40.50, inf)	9419	0.094170	151.787494	-70.975336
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

jobSelf_employed_carVal

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 1122.50)	79715	0.796983	206.980303	-15.782526
1	[1122.50, 16407.50)	11345	0.113426	253.991146	31.228317
2	[16407.50, inf)	8961	0.089591	323.624208	100.861379
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829

age_density

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 915.02)	6808	0.068066	346.948032	124.185203
1	[915.02, 1474.39)	11757	0.117545	223.009798	0.246969
2	[1474.39, 7101.72)	58215	0.582028	219.478373	-3.284456
3	[7101.72, 8257.77)	5603	0.056018	199.768414	-22.994416
4	[8257.77, 11648.46)	10685	0.106828	198.980792	-23.782038
5	[11648.46, inf)	6953	0.069515	183.326170	-39.436659
6	Special	0	0.000000	0.000000	-222.762829
7	Missing	0	0.000000	0.000000	-222.762829

jobUnemployed_carVal

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 9532.50)	89619	0.896002	210.633926	-12.128903
1	[9532.50, inf)	10402	0.103998	327.260059	104.497230
2	Special	0	0.000000	0.000000	-222.762829
3	Missing	0	0.000000	0.000000	-222.762829

nYears_cover

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 0.50)	55471	0.554594	253.145879	30.383049
1	[0.50, 3.50)	15732	0.157287	210.581279	-12.181551
2	[3.50, 6.50)	9489	0.094870	171.726005	-51.036824
3	[6.50, 11.50)	11747	0.117445	152.621263	-70.141566
4	[11.50, inf)	7582	0.075804	198.297442	-24.465387
5	Special	0	0.000000	0.000000	-222.762829
6	Missing	0	0.000000	0.000000	-222.762829

carCatSmall_jobSelf_employed

	Bin	Count	Count (%)	Mean	WoE
0	[0]	94458	0.944382	216.260536	-6.502293
1	[1]	5563	0.055618	333.169738	110.406909
2	Special	0	0.000000	0.000000	-222.762829
3	Missing	0	0.000000	0.000000	-222.762829

bm

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, -45.00)	24629	0.246238	136.975486	-85.787343
1	[-45.00, -35.00)	12459	0.124564	116.379237	-106.383593
2	[-35.00, -25.00)	13424	0.134212	154.523032	-68.239797
3	[-25.00, -15.00)	6607	0.066056	252.827027	30.064198
4	[-15.00, -5.00)	6747	0.067456	275.538582	52.775753
5	[-5.00, 85.00)	28696	0.286900	325.853982	103.091153
6	[85.00, inf)	7459	0.074574	335.556072	112.793243
7	Special	0	0.000000	0.000000	-222.762829
8	Missing	0	0.000000	0.000000	-222.762829

jobUnemployed_density

	Bin	Count	Count (%)	Mean	WoE
0	(-inf, 7.19)	84699	0.846812	208.260718	-14.502111
1	[7.19, 136.97)	9683	0.096810	263.330519	40.567690
2	[136.97, inf)	5639	0.056378	370.926936	148.164107
3	Special	0	0.000000	0.000000	-222.762829
4	Missing	0	0.000000	0.000000	-222.762829